Citi ThankYou Preferred Card

If you can’t pay off your balance every month, you may be better off choosing a low-interest credit card. Some low interest credit cards come with a 0% introductory rate while others have a low, ongoing rate. However, remember that these cards generally require a good to excellent credit rating for approval.

• Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.49% - 24.49%? based upon your creditworthiness*
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
• Earn 2X Points on Dining Out & Entertainment
• Earn 1X Points on All Other Purchases
• Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou? Points can be redeemed for a $25 gift card at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No annual fee*

• No annual fee
• 0% on Purchases and Balance Transfers for 15 months

• Needs excellent credit